Sunday, April 14, 2024

If you own a home in James City County and have flood insurance, you might want to know this

(WYDaily/File photo)
(WYDaily/File photo)

One word: Discount.

Homeowners with flood insurance policies in James City County will see a larger discount in their rates.

That’s as the result of floodplain management activities implemented by the county, officials said.

The Department of Homeland Security, Federal Emergency Management Agency determined James City County will increase from a Class 7 to a Class 5 in the National Flood Insurance Program Community Rating System, according to a news release from the county.

The locality is the first community in Virginia to receive a Class 5 rating.

The new rating helps homeowners qualify for a 25 percent discount on flood insurance premiums for NFIP policies issued or renewed in Special Flood Hazard Areas on or after Oct. 1, 2020.

Policy holders should contact their insurance agents for information on the discount, county officials said.

FEMA developed the CRS to provide incentives for communities to go beyond the NFIP minimum program requirements. Activities are credited in the following categories:

  • Public Information
  • Mapping and Regulations
  • Flood Damage Reduction
  • Flood Warning and Response

The CRS is updated every five years and will automatically renew each year as long as the county continues to implement the CRS activities and there are no NFIP noncompliance actions.

For more information about the County’s floodplain management activities, click here.


John Mangalonzo
John Mangalonzo
John Mangalonzo ( is the managing editor of Local Voice Media’s Virginia papers – WYDaily (Williamsburg), Southside Daily (Virginia Beach) and HNNDaily (Hampton-Newport News). Before coming to Local Voice, John was the senior content editor of The Bellingham Herald, a McClatchy newspaper in Washington state. Previously, he served as city editor/content strategist for USA Today Network newsrooms in St. George and Cedar City, Utah. John started his professional journalism career shortly after graduating from Lyceum of The Philippines University in 1990. As a rookie reporter for a national newspaper in Manila that year, John was assigned to cover four of the most dangerous cities in Metro Manila. Later that year, John was transferred to cover the Philippine National Police and Armed Forces of the Philippines. He spent the latter part of 1990 to early 1992 embedded with troopers in the southern Philippines as they fought with communist rebels and Muslim extremists. His U.S. journalism career includes reporting and editing stints for newspapers and other media outlets in New York City, California, Texas, Iowa, Utah, Colorado and Washington state.

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